平安银行2026年中期业绩实现扭转，营收和利润增速转正1。其中零售业务净利润同比大涨114%1，人均营收和人均利润分别达到172万元/人和75万元/人，重回股份制银行"双第一"1。行长冀光恒强调追求有质量、可持续、经得起周期检验的利润增长，认为"经得起捶打、经得起检验的业绩才是重要的"1。
经历三年零售业务转型调整后，该行零售业务筑底企稳，业务结构发生显著变化1。对公贷款余额较年初增长3.7%，营收占比在8年后首度反超零售至50%以上1。不过零售业务利润贡献度仅占8.4%，与其44.7%的营收占比形成鲜明对比1。
资产质量方面保持稳健1。不良贷款率1.05%，上半年不良贷款生成率1.15%，同比下降49个基点1。净息差1.8%，连续第二个季度环比回升，在股份制银行中排名第二1。
Ping An Bank released its interim financial results for the first half of 2026, marking a turning point after three years of retail business transformation.1 Revenue and profit growth returned to positive territory, while per-capita revenue and per-capita profit reclaimed the top positions among Chinese joint-stock banks.1
The bank's retail business segment has stabilized following the extended adjustment period, with net profit from retail operations surging 114 percent year-over-year.1 Meanwhile, corporate lending balances increased 3.7 percent from the beginning of the year, and corporate business revenue share surpassed retail for the first time in eight years, accounting for over 50 percent of total revenue.1 Per-capita revenue reached 1.72 million yuan per employee and per-capita profit reached 750,000 yuan per employee, both returning to the top tier within the joint-stock banking sector.1
The bank maintained asset quality discipline despite the strategic shift. The non-performing loan ratio stood at 1.05 percent, with the first-half non-performing loan generation rate declining 49 basis points year-over-year to 1.15 percent.1 Net interest margin improved for the second consecutive quarter to 1.8 percent, ranking second among joint-stock banks.1
Bank President Ji Guangheng emphasized the institution's commitment to sustainable profitability over mere scale expansion, stating that "earnings that can withstand scrutiny and testing are what truly matters."1 The retail business segment generated only 8.4 percent of profit contribution despite accounting for 44.7 percent of revenue, highlighting the bank's focus on business quality and capital efficiency.1
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